Lertha
The Lertha app, coached by Wendy

The best get coached. Now your money does, too.

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Your money talks. Wendy talks back.

She reads your spending, spots your money personality, and coaches you to better money.

Try it out
Talk therapy for your wallet

Wendy gets to know you (and your money).

9:41

Good evening

Hey Abiola

Wendy
Your dining spend is up 18% this week 👀
Ouch. What do I do?
Cap it at ₦25k and I'll nudge you. You'll save about ₦40k this month.
Ask Wendy anything…◆
You spent ₦42,000 on Bolt this month. Next month, let's try Bolt-ing less. 🚕

Let Wendy's coaching outsmart your spending.

Introducing your Money Blueprint

Automate your money goals with Wendy.

Learn more

Smart coach, straight talk.

Wendy's sharp enough to optimize every naira, and honest enough to fix your bad spending habits.

Get Lertha

Say yes to saving more.

Commit to a savings goal, and Wendy does the rest, saving automatically and hitting your target on your own timeline.

Learn more

The internet has spoken (and it likes Wendy).

“Finally an app that gets how I actually spend. Wendy called out my Bolt habit and I'm ₦40k up this month. 5 stars!”
CHIDI O. · EARLY ACCESS
“It talks to me like a person, not a bank. The honesty is exactly what I needed to hear.”
SADE A. · EARLY ACCESS
“My Freedom Score going up every week is weirdly addictive. Never thought I'd enjoy budgeting.”
TUNDE B. · EARLY ACCESS
“Wendy set my savings on autopilot and I hit my goal a month early. This is different.”
AMARA N. · EARLY ACCESS
“It knew my money personality better than I did. The nudges actually land.”
KEMI F. · EARLY ACCESS

Finally, a money coach without the lecture.

Wendy's superpowers
24/7, 365. Talk to Wendy anytime. She'll never leave you hanging, on hold, or on read.
No bank-speak. Unlike your bank, Wendy has a personality. Talk to her like a human.
Real feedback. Wendy gives you the smart, brutally honest spending advice you need to hear.
Money on autopilot. Set it, forget it, and get to your goals. Wendy handles the rest.
24/7, 365. Talk to Wendy anytime. She'll never leave you hanging, on hold, or on read.
No bank-speak. Unlike your bank, Wendy has a personality. Talk to her like a human.
Real feedback. Wendy gives you the smart, brutally honest spending advice you need to hear.
Money on autopilot. Set it, forget it, and get to your goals. Wendy handles the rest.
24/7, 365. Talk to Wendy anytime. She'll never leave you hanging, on hold, or on read.
No bank-speak. Unlike your bank, Wendy has a personality. Talk to her like a human.
Real feedback. Wendy gives you the smart, brutally honest spending advice you need to hear.
Money on autopilot. Set it, forget it, and get to your goals. Wendy handles the rest.

New features just dropped.
See the latest.

How Wendy Works

Inside your personalized money coach.

Your Freedom Score, explained

The behavioral science behind the score.

Lertha in the news.

JUL 14, 2026Meet Wendy: the AI money coach built for Nigeria
MAY 2, 2026The psychology of better choices: how fintech rewires habits
MAR 18, 2026Why your bank should talk less like a bank
FEB 5, 2026Behavioral coaching comes to personal finance
JAN 12, 2026Inside the app teaching a generation to save
JUL 14, 2026Meet Wendy: the AI money coach built for Nigeria
MAY 2, 2026The psychology of better choices: how fintech rewires habits
MAR 18, 2026Why your bank should talk less like a bank
FEB 5, 2026Behavioral coaching comes to personal finance
JAN 12, 2026Inside the app teaching a generation to save

FAQs

Yes. Lertha uses read-only, encrypted connections and never stores your bank login or moves your money. We're built to NDPR standards.

Get Lertha, free.

Wendy launches on iOS and Android. Join the waitlist and skip the queue.

Free to join. No spam, just launch news.

Coming to iOS & Android

1 Lertha is a financial technology company, not a bank. Lertha does not hold deposits or move your money.

2 Your Freedom Score and Wendy's guidance are for informational purposes only and are not financial advice.

Lertha is pre-launch; features, availability, and terms are subject to change.